User Guides

Bill Pay

Members with a CCU Checking Account are able to use CCU’s Free Online Bill Payment service. Bill Pay is easy and convenient to use and saves the cost and time of mailing checks.

Bill Payment Overview:

  • Bill Pay offers two forms of payments:
    • Electronic Payments: The majority of Payees/Contacts are electronic.
      • One to Three Business Days for the payee to receive the funds.
      • Certain Payees allow expedited payments and eBills
        • eBills allow your billing information for a particular payee to be uploaded in your CCU Bill Pay.
    • Check Payments:
      • Five Business days for the payee to receive the funds.
  • Payments are guaranteed: If you schedule your payment according to the terms and conditions of the service; and it arrives late, any late charges (up to $50) will be covered by Consumers Credit Union.*
    *Certain conditions apply, details are available in the Bill Pay Disclosure
  • Accessible from your CCU Mobile App
  • Process One Time payments or set up recurring payments by utilizing the Auto-Pay feature.
  • Review past payment history
  • Prohibited Payees include:
    • Tax Entities
    • Court ordered payments (alimony, child support, tickets, etc)
    • Collections Agencies
    • Non US Payees

Pay Bills tabs and their functions:

Screen capture showing the bill pay tab and the options under it

  • Payment Center- Add a Payee/Contact, Send Money, View Recent and Pending Payments, View Bill Pay Activity, Set up AutoPay and enroll in eBills
  • Activity- View up to a 12 month history of your Bill Payments. Submit Payment Inquiries.
  • Accounts- Lists your checking account(s) that can be used as your Bill Payments funding account(s).
  • Profile- Manage your Bill Pay Profile Options
  • Help Center- Bill Pay FAQs

Enrolling in Bill Pay

Log into your Online Banking -> Pay Bills

Your checking account(s) that can be used for Bill Pay are listed below the Blue "Bill Payment Enrollment" header. Select “Sign up for Bill Pay”.

Screen capture showing examples of what accounts can be used to pay bills


Read the Terms of Service, you are able to print them also. You must scroll to the bottom of the Terms of Service to be able to accept the terms. Checkmark “I Accept” and Continue.

Checkmark the “I Accept” button and click on the Continue button.


Payment Center tab options

Adding a Company as a Payee/Contact

The first step to using Bill Pay is to add Add a Company or Person

To do so, go to Pay Bills -> Payment Center -> select Add a Company or Person

Add a Company or Person


You may enter the name of the Company to search the network or choose from one of the many categories of Bill Pay payees by clicking on the Bill Category name. If the company you are searching for is not listed, select the mail a check option and a paper check payment will be sent.

You may enter the name of the Company to search the network or choose from one of the many categories of Bill Pay payees


To add a utility company as a payee, select Utilities. When the Utilities category expands, select the utility company you have an account with. If you do not see your utility company listed, select Other Company to enter the company information manually.

To add a utility company as a payee, select Utilities.


Enter and confirm your Account Number with the company. Enter a Nickname, if desired. Add.

Enter and confirm your Account Number with the company. Enter a Nickname, if desired.


Once added, you will receive a confirmation message indicating the payee was added. An email confirmation will be sent as well. Select Finish to return to the Payment Center or Add Another Bill to add another payee.

Once added, you will receive a confirmation message indicating the payee was added.


Your new payee is listed in the Payment Center.

Your new payee is listed under the Payment Center.


Adding a Person as a Payee/Contact

If you would like to send money to an individual, go to Pay Bills -> Payment Center -> select Add a Company or Person.

If you would like to send money to an individual, go to Pay Bills, then Payment Center, then select Add a Company or Person.


Select the Person tab and enter in the information requested for the person you want to add. The nickname, mobile phone and email address fields are optional. All other fields are required. Select Add.

Select the Person tab and enter in the information requested for the person you want to add.


You will receive an instant notification stating your new payee has been added. An email confirmation will be sent as well. Select Finish to return to the Payment Center or Add Another Bill to add another payee.

You will receive an instant notification stating your new payee has been added.


Your new payee is listed in the Payment Center.

Your new payee is listed under the Payment Center.


Deleting a payee

To delete/remove a payee, go to Pay Bills -> Payment Center

Click on the Payee Name.

Screen capture showing how to delete or remove a payee


When the payee profile populates, select Remove “name of payee”.

When the payee profile populates, select Remove “name of payee”.


You will receive an alert asking if you are sure you want to remove the payee. Any pending payments scheduled to be sent to this payee will be canceled. Select Remove to process.

Screen capture showing the confirmation of removing a payee


Select Finished to return to the Payment Center.

Select Finished to return to the Payment Center.


Editing a Payee

To edit a payee, go to Pay Bills -> Payment Center -> select the payee you want to edit.

Select the payee you want to edit.


Make your changes to the payee’s information. Save Changes.

Make your changes to the payee’s information.


You will receive an immediate notification stating the information has been changed. An email confirmation will be sent as well. Select Finished to return to the Payment Center.

You will receive an immediate notification stating the information has been changed.


Editing an account number for a payee

To change an account number of a payee, go to Pay Bills -> Payment Center -> select the payee you want to edit the account number for.

Select the payee you want to edit the account number for.


Select the blue Change link below the Account Number field. Select Show to view the current account number.

Select Change below the Account Number field.


Checkmark to confirm you are a real person.

Checkmark to confirm you are a real person.


Your current, full account number will appear. Enter and confirm the new account number for this payee.

Enter and confirm the new account number for this payee.


Select Save Changes.

Select Save Changes.


You will receive an immediate notification stating the information has been changed. An email confirmation will be sent as well. Select Finished to return to the Payment Center.

Select Finished to return to the Payment Center.


Activate eBills for participating payees

Activating eBills means that the payee will allow your billing information to be uploaded into your CCU Bill Pay. You will be able to access your monthly bill/statement from that payee once eBills have been activated. It can take 1-2 billing cycles to receive your first eBill after the initial request and activation. To activate eBills, follow these steps.

Go to Pay Bills -> Payment Center.

If the payee allows eBills, there will be a blue icon under the payee stating Get eBills. Click on this icon.

Screen capture showing Get eBills button


Verify the Service Name and Address of the account holder on the bill. Enter additional information that was requested by the payee, such as the zip code. Read and accept the biller’s Terms & Conditions by marking the box. Submit.

Screen capture showing where to enter your zip code and how to agree to the terms


Once submitted, you will receive a message stating your bill is coming. When the payee activates your eBill service, your first eBill will be available within 1-2 billing cycles.

Once submitted, you will receive a message stating your bill is coming.


You will receive an email when your eBill arrives. When ready to view, select the blue eBills link under the payee in the Payment Center.

When ready to view, select eBills under the payee in the Payment Center.


To confirm if a payee’s eBills are activated, it will state eBills ON in green below the payee.

To confirm if a payee’s eBills are activated, it will state eBills ON


To Send Money

To send money to a payee, go to Pay Bills -> Payment Center.

Enter the Amount to pay and the Deliver By date. Select Send Money.

Enter the Amount to pay and the Deliver By date.


Review your requested payment. Verify the Pay From Account, Amount and Withdraw On date. It is indicated that this payment will be sent electronically and when the Deliver By date is.

Select Submit Payments to process, Make Changes to edit or Cancel to cancel the payment.

Screen capture showing Select Submit Payments link, Make Changes link, and Cancel link


Once the payment is submitted, you will receive a Payment Confirmation message and confirmation number. From here, you can Print the payment confirmation or Return to Payment Center.

Once the payment is submitted, you will receive a Payment Confirmation message and confirmation number.


To view/edit Pending Payments

Go To Pay Bills -> Payment Center -> Pending Payments

Once you have scheduled a payment, it will appear in Pending Payments until it processes.

Once you have scheduled a payment, it will appear with Pending Payments until it processes.


To edit a payment, select the blue Change link under the payment you would like to edit in Pending Payments.

Screen capture showing Change link


Enter your changes and select Save Changes

Screen capture showing where to enter your changes and select Save Changes


Once saved, you will receive a Change Confirmation notification.

Screen capture showing Change Confirmaiton


To Cancel a Payment

Go to Pay Bills -> Payment Center -> Pending Payments.

Select the blue Cancel link under the payment you would like to cancel in Pending Payments.

Screen capture showing cancel link to cancel payment


Verify you want to cancel the payment by selecting Cancel Payment, Change Payment to edit or Do Not Cancel Payment to return to the Payment Center.

Screen shot showing the cancel payment button


You will receive a notification that your payment has been cancelled and the date it was cancelled on.

You will receive a notification that your payment has been cancelled and the date it was cancelled on.


Rush Delivery Payments

You are able to request a payment be rushed to some payees. There is a rush delivery fee of $14.95. The rush delivery option indicates that the payment will be sent overnight. The payment may be delivered the next business day or 2 business days after the payment is scheduled, depending on the time the payment is scheduled.

The Rush Delivery option can be viewed by going to: Pay Bills -> Payment Center

If a Rush Delivery payment is able to be sent to a payee, you will see a blue Rush Delivery link under the deliver by date. If it does not state Rush Delivery, rush delivery is not an option for that payee.

Screen capture showing the rush delivery link


When scheduling a payment that you would like to request Rush Delivery, click on the Rush Delivery link. The date the payment will be delivered will populate in the Deliver By field and the fee of $14.95 will appear under the Amount field in gray text. Enter the amount of the payment you wish to send (this amount should not include the Rush Delivery fee). At the bottom of the screen, the total amount that will be debited for the payment will be displayed. In this example, the total amount charged for this payment, including the Rush Delivery fee, will be $15.95. Select Send Money.

Screen capture showing the payment details, delivery date and the send money link


The next screen will prompt you to review your payment request.

Verify the amount and the Deliver By date. A memo can be added if you would like. Enter in the mailing address where the payment is to be sent. Since the payment is sent as an overnight delivery check, a PO Box cannot be used as the delivery destination. Select Confirm Address to Proceed.

Screen capture showing payment details to review and the confirm address button


Once the payment has been reviewed and the address confirmed, select Submit Payments.

Screen capture showing the submit payments button


You will receive a Payment Confirmation message and a confirmation number will be displayed. Select Return to Payment Center to go back to Pay Bills.

Screen capture of payment confirmation message, confirmation number and return to payment center link


Your Rush Delivery payment can be viewed and cancelled, within a short amount of time, by going to Pay Bills -> Payment Center -> Pending Payments

Screen shot showing the cancel button


To view a UPS tracking number when it becomes available, select Cancel (this will not cancel the payment immediately). When the tracking number is available, it will be displayed on this screen. Select Do Not Cancel Payment to return to the Payment Center.

Screen capture showing tracking number and do not cancel payment link


If you wish to cancel the payment, select Cancel Payment and confirm. The cancelled payment will appear in Pay Bills -> Payment Center -> Recent Payments

screen capture showing canceled payment


Setting up AutoPay for a payee

Set up recurring payments to a payee with Autopay. You can schedule a certain amount of payments to be sent or allow the payments to be sent continuously until you stop the service.

To set up AutoPay for a payee, go to Pay Bills -> Payment Center

Select the blue AutoPay link under the payee you would like to set it up for. When the option expands, select Set Up AutoPay.

Screen capture showing autopay link and set up autopay link


Complete the following fields:

Amount- Amount of each payment.

First Delivery Date- The date you would like the first payment delivered by.

Frequency- How often you like the payment to be made.

Duration- How long you would like the AutoPay to take place or how many payments you would like to process.

Email Notification- Verify your email address and select to receive an email alert when a payment is pending and/or has been sent.

Select Start Sending Payments to process.

Screen capture showing autopay options


You will receive an instant notification verifying your AutoPay. Select Close to return to the Payment Center.

Screen capture showing autopay verification message


The AutoPay option for the payee now states AutoPay ON.

Screen capture showing autopay is on


To manage AutoPayments

Go to Pay Bills -> Payment Center -> select the blue link AutoPay ON under the payee you would like to manage.

Screen capture showing autopay is on and manage autopay options


To schedule an additional AutoPay for this payee, select Set Up Another AutoPay. Complete fields, select Start Sending Payments.

To edit the current AutoPay, select Change AutoPay Options. Enter your desired changes, select Save Changes.

To stop the current AutoPay, select Stop AutoPay. You will receive a message asking if you are sure you want to stop sending the payments. Select Stop AutoPay to confirm or Keep AutoPay to return to the Payment Center.


Reminders

Setting up a Reminder for a payee is a great way to help you keep track of the payments you need to send. You can select to see your Reminders within your Payment Center in addition to receiving an email alert.

To set up a payment Reminder, go to Pay Bills -> Payment Center

Select the blue Reminders link under the payee you would like to set it up for. When the option expands, select Set Up Reminders.

You can select to see your Reminders within your Payment Center in addition to receiving an email alert.


Complete the following fields:

Typical Due Date- when the payment is typically due.

Typical Amount Due- How much the payment is typically.

Bill Received- How often the payment is made.

Remind Me in Advance- The number of days before the due date that you want to receive the reminder email and see it listed in Reminders in the Payment Center.

Email Address- Verify your email address and select to receive an email reminder when a payment is due, when the payment has been send and/or if the payment has not been paid by the due date.

Select Send Reminders to complete.

Screen capture showing reminder options for autopay


You will receive an instant notification verifying your AutoPay. Select Close to return to the Payment Center.

Screen capture showing reminder confirmation message

Your Reminders will be listed in Bill Pay -> Payment Center -> Reminders.

Reminders will appear here the amount of days chosen before the due date.

Screen capture showing where reminders will appear


To make changes to your Reminder settings or to Stop Reminders

Go to Pay Bills -> Payment Center ->select the blue Reminders link under the payee you would like to edit.

Screen capture showing payment reminder options


To edit your current Reminder, select Change Reminders. Make desired changes, select Save Changes to confirm.

To stop the current Reminder, select Stop Reminders. You will receive a message indicating you will be stopping all reminders for this payee. Select Stop Reminder to confirm or Keep Reminder to return to the Payment Center.

To edit your Email Reminders, select Manage Email Reminders. You can change the email address or the email notification preferences. Select Save Changes to confirm.

Activity tab options

Viewing Bill Pay Activity

To view all payment activity, go to Pay Bills -> Activity

Screen capture showing pay bills and activity links


Select the Date Range you would like to view. You can view up to the last 12 months of history.

Filter By- when selected, this option expands into a dropdown that allows you to filter your search by Recipient Name, Category, Status and Account.

Screen capture showing date range input

screen capture showing filter by option


You can view your transactions and also print your history.

To view more information on a payment, click on the payment. Once expanded, you are able to print the payment information or submit a Payment Inquiry. If a Payment Inquiry is submitted, please allow 3-4 business days for a response.

Screen capture showing payment details and the option for payment inquiry


Accounts tab options

Manage your Payment Funding Accounts

The name of your Bill Pay funding account(s) will default to the checking account type you have with CCU. To view/change the name of your Bill Pay funding accounts, go to Pay Bills -> Accounts.

Screen capture showing the Pay Bills tab and the account button


Your Bill Pay funding account(s) will be shown in the Accounts section. To change the name of your account (for Bill Pay purposes only), select the blue Change Name link under the account you would like to edit.

Screen capture showing the change name link


Enter your chosen Account Name and select Save.

Screen capture showing where to enter account name


Your new Account Name will be shown as the Pay From option when scheduling a Bill Pay in the Payment Center.

Screen capture showing your new account name as the pay from option


Profile tab options

To manage your Bill Pay Profile Options, go to Pay Bills -> Profile

Screen capture showing profile link


Once selected, the following options are displayed:

Screen capture showing manage profile options


View Personal Info- You are able to update your Bill Pay notification email address. Save Changes to confirm. To update your address, contact CCU.

View Payment Plan- This field is unable to be edited. It will state the Payment Plan is Free Bill Pay.

Cancel service- Select Cancel Service to cancel your Consumers Credit Union - Bill Pay service. Keep the following points in mind if you cancel your service:

  • Pending payments, including automatic payments, are not paid.
  • Any payments that are in process when you cancel your service are paid.
  • You no longer have access to your bill history and the ability to send payment inquiries. You should wait until all of your pending payments are processed before you cancel your service. It is recommended that you print a copy of your bill history information to keep for your records before you cancel your service.
  • After you cancel your service, your billers are notified to stop sending electronic versions of your bills (eBills). However, it can take a few days for the biller to process the request. Until you begin receiving paper bills again, you should contact the biller directly about your payment amount and due date.

Help Center tab Options

The Help Center offers a variety of helpful Bill Pay tips including Frequently Asked Questions (FAQs). Select the option that best fits your inquiry. You can choose from Bill Pay FAQs, Payment help, eBill help, and AutoPay and Reminder help. Click on the blue arrow to the left of the help subject to read more.

Screen capture showing the help center and the options available


Pay Bills on CCU’s Mobile App

Members can use CCU’s Free Bill Pay service right from their smartphone. Options include adding/managing a contact, sending a contact money and viewing/editing payments. To access Bill Pay on your smartphone, download the Consumers Credit Union-Illinois application to your iPhone or Android device. Log into your Online Banking Profile and select Pay Bills from the Main Menu.

Screen capture showing the pay bills option


The options displayed on Pay Bills screen are:

Send Money- Schedule a payment to be sent to a contact (new or existing)

Manage Contacts- Add a new contact or set up an existing contact on auto pay

Payment Activity- View recent payment activity

To Do- Reminders set for payments

Screen capture showing the options on the pay bills screen


To create a contact, select Pay Bills -> Manage Contacts

Screen capture showing the manage contact button


Select + Add New Contact

Screen capture showing the plus button


Enter the name of the company or the person you would like to create the contact for. Next.

Screen capture showing the field to enter a new contacts name and the next button


Select if you would like the contact added as a Company or as a Person.

Screen capture showing the add as company option and the add as person option


Enter a nickname for the contact (optional). Next.

Screen capture showing verification of contact name


Enter the contact’s address and phone number. Next.

Screen capture showing fields to enter contact information


You will receive a message stating that your new contact was added. Select Pay to send the contact a payment or Done to return to the Main Menu.

Screen capture showing the contact was added


Your new contact can be viewed/edited by going to Pay Bills -> Manage Contacts

Screen capture showing a list of bill pay contacts


To delete a contact, log into the desktop version of your online banking. Click on the contact to delete and select “Remove contact’s name”.

To send money to a contact, select Pay Bills -> Send Money

Screen capture showing the send money button


Choose Select your contact

Screen capture showing the select your contact button


To send money to an existing contact, select the gray arrow to the right of the contact. To send money to a new contact, select Add New Contact.

Screen capture showing the button to add a new contact and the button to pay existing contacts


Enter the Amount to Pay and the Deliver By Date.

Screen capture showing the amount to pay and deliver by date fields


Once the date is chosen, select a delivery option (paper check or electronic) to continue.

Screen capture showing check options


Select Review to see an overview of the transaction

Screen capture showing the review button


Select Pay to schedule the payment. To edit the payment, select Edit.

Screen capture to showing the pay button


You will receive a confirmation number and message that your payment has been scheduled. Select Done or Add Auto Pay to set up Auto Pay for this contact

Screen capture showing payment confirmation


To view/edit/cancel a payment, select Pay Bills -> Payment Activity

Screen capture showing payment activity button


Select the gray arrow to the right of the payment details to view/edit the payment.

Screen capture showing payment activity


To make changes to the payment, select Edit.

Screen capture showing payment details and the edit button


You can update the Amount or the Deliver By date. Save.

Screen capture showing edit able payment details


Once saved, you will receive a Confirmation number and message confirming the change. Select Done to return to Pay Bills or the back arrow to return to the Main Menu.

You will receive a Confirmation number and message confirming the change.


To cancel a scheduled payment, select Pay Bills -> Payment Activity. Select the payment and Cancel.

Screen capture showing payment details and cancel button


You will receive an alert asking if you are sure you want to cancel this payment. Select Yes to confirm.

Screen capture showing cancel payment confirmation


Once confirmed, you will receive a message indicating the payment was canceled. In Payment Activity, the payment will also be listed as Canceled and the original Deliver By date.

Screen capture showing confirmation message that a payment was canceled

Screen capture showing payment status is canceled